Q: How many Illnesses 1 are covered?

Major- 5 Major conditions 1 (Includes 7 major cancers conditions) Minor- 6 Minor conditions 1 (Includes 2 minor cancers conditions)

Q: Can multiple claims be made for Minor conditions 1 ?

Multiple claims for unique minor Vital Care conditions 1 can be made till balance Vital Care 1 Sum Assured (SA) gets exhausted. Once a claim has been paid for a specific minor Vital Care condition 1 , there can’t be another claim for that particular condition. Also, once a claim has been paid for a specific minor Vital care condition, to make a claim for another minor Vital Care condition, there is a cooling off period of 180 days.

Q: If Claim is made for Vital Care cover 1 , does it affect Surgical Care cover 1 or Maternity cover?

When a claim is made for minor condition 1 ( provided Vital Care Sum Assured is not 100% exhausted), no other covers are affected & Policy continues When a claim is made for major condition 1 ,or Vital Care Sum Assured is 100% exhausted due to multiple claims for minor condition, Vital Care Benefit terminates, and only Surgical care cover 1 for below conditions is eligible for 365 days, from the date of diagnosis of condition which lead to the exhaustion of the Vital Care: Only Surgeries under Surgical Care Benefit 1 linked to Minor or Major condition 1 that lead to the exhaustion of the Vital Care Benefit 1 or Skin grafting due to major burns; or Complicated repair of a Vaginal Fistula Also, along with termination of Vital Care Benefit, Maternity Care Benefit also terminates.

Q: If Claim is made for Surgical Care cover 1 , does it affect Vital/Maternity Care cover 1 ?

No. Surgical care cover 1 terminates after a surgery claim is paid. Policy continues with vital and maternity care cover 1 (if opted), with premiums reduced to the extent of surgical care premium.

Question 1

How many Illnesses¹ are covered?

Accepted Answer

Major- 5 Major conditions¹ (Includes 7 major cancers conditions)

Minor- 6 Minor conditions¹ (Includes 2 minor cancers conditions)

Question 2

Can multiple claims be made for Major conditions¹?

Accepted Answer

No, there can only be one claim for any of the major Vital Care¹ conditions and the Vital Care¹ cover shall terminate. In case, a claim is made for Major conditions following a claim of minor condition, there is no cooling off period.

Question 3

What is the minimum and maximum policy term allowed in this plan?

Accepted Answer

Minimum policy term that can be availed in this plan is 8 years and the maximum life policy term that can be availed in this plan is 30 years with capped maturity age of 75 years.

Question 4

Can multiple claims be made for Minor conditions¹?

Accepted Answer

Multiple claims for unique minor Vital Care conditions¹ can be made till balance Vital Care¹ Sum Assured (SA) gets exhausted. Once a claim has been paid for a specific minor Vital Care condition¹, there can’t be another claim for that particular condition. Also, once a claim has been paid for a specific minor Vital care condition, to make a claim for another minor Vital Care condition, there is a cooling off period of 180 days.

Question 5

How much claim can be made for Minor conditions¹?

Accepted Answer

On diagnosis of covered minor critical illness, a fixed % of Vital care Sum Assured will be payable

Question 6

If Claim is made for Vital Care cover¹, does it affect Surgical Care cover¹ or Maternity cover?

Accepted Answer

When a claim is made for minor condition¹ ( provided Vital Care Sum Assured is not 100% exhausted), no other covers are affected & Policy continues When a claim is made for major condition¹ ,or Vital Care Sum Assured is 100% exhausted due to multiple claims for minor condition, Vital Care Benefit terminates, and only Surgical care cover¹ for below conditions is eligible for 365 days, from the date of diagnosis of condition which lead to the exhaustion of the Vital Care:

Only Surgeries under Surgical Care Benefit¹ linked to Minor or Major condition¹ that lead to the exhaustion of the Vital Care Benefit¹ or
Skin grafting due to major burns; or
Complicated repair of a Vaginal Fistula

Also, along with termination of Vital Care Benefit, Maternity Care Benefit also terminates.

Question 7

How many Surgeries are covered?

Accepted Answer

Under the Surgical Care benefit, 9 Critical Illness/Surgical procedures are covered

Question 8

Can multiple claims be made for any Surgical careconditions¹?

Accepted Answer

No, there can only be one claim for any of the major/minor Surgical Care conditions¹ and the Surgical Care cover¹ shall terminate.

Question 9

How much can a claim be made for any Surgical care conditions¹?

Accepted Answer

Under this benefit, a fixed % of Surgical care Sum Assured will be payable

Question 10

If Claim is made for Surgical Care cover¹, does it affect Vital/Maternity Care cover¹?

Accepted Answer

No. Surgical care cover¹ terminates after a surgery claim is paid. Policy continues with vital and maternity care cover¹ (if opted), with premiums reduced to the extent of surgical care premium.

Question 11

If Surgical Care¹ Claim is made, does the premium get reduced?

Accepted Answer

Yes, the premium of Surgical Care¹ will get reduced from all future premiums.

Question 12

Why should one buy a health insurance plan?

Accepted Answer

In today's uncertain times, it is important to ensure your dependents are not burdened financially when you face any health-related issues. Buying a health insurance plan is a simple and cost-effective way to do this. With this health insurance plan specifically designed for women, you can get a large amount of health cover¹ at a relatively low premium rate. You can get a ₹10 Lakh Vital Care cover¹ starting at just ₹465 per month^1a, which is less than half the cost you would typically pay for an outing with your family. The benefit amount will be paid to the policy holder on the diagnosis of the illness.

Question 13

Is it safe to buy a health insurance plan online?

Accepted Answer

Yes, you can purchase a health insurance plan online with verified payment methods like UPI, debit or credit card, or net banking. If you select a reputable insurance company, you have nothing to worry about. In case of any issues, you can also reach out to the customer service team.

Question 14

How to select the best life or health insurance plan for women?

Accepted Answer

There are various factors you need to consider when selecting the best life insurance plan. These are:

Brand: Choose a well-known brand that is financially strong and sure to be around for a long time. ICICI Prudential Life Insurance is an old and trusted private sector life insurance company in the country with an Assets Under Management value of ₹2.9 trillion¹⁸ (as on Mar 31, 2024).
Claim settlement: Select an insurance company with a consistently high claim settlement ratio and an easy and hassle-free claim settlement process. With ICICI Prudential's term plan, you can get your claim settled within 1 day^>. The company has a claim settlement ratio of 99.17%^!J (FY 2023-24) and has paid ₹1866.68 crore^ε in claims (since inception up to Mar 31, 2024).
Additional benefits: Look for additional benefits such as accidental disability coverage⁵ and accidental death coverage⁴. ICICI Prudential Life term plan provides the option to get accidental death cover⁴ and accidental disability coverage⁵ equal to your base Sum Assured.

Question 15

Are there any age limits for buying this life insurance plan for self-employed?

Accepted Answer

Yes, the minimum and maximum age for buying a health insurance plan for women are 21 and 55 years respectively. The minimum and maximum age for buying Health Care Plus Option (Vital Care Benefit + Surgical Care Benefit + Maternity Care Benefit) is 21 and 37 years respectively.

Question 16

What are the benefits of buying a health insurance policy for Women online?

Accepted Answer

There are various benefits of buying a health insurance plan for Women online:

Ease and convenience - You can complete your purchase in just a few minutes anytime, anywhere. You can explore our plans on your mobile too.
Better control - Buying a term plan online lets you customize it according to your exact needs instead of relying on someone else to do so.
Complete transparency - As there are no intermediaries involved and you buy directly from the insurance company, the entire process is transparent, and you are not set up for any unpleasant surprises later on.
Full security - Your personal and health information is private and secure.
Discounts – This plan offers only flat 10% online discount on first year premium and it will not be available from 2^nd year. Also, only flat 10% discount for ICICI Pru employees on first year premium and it will not be available from 2^nd year.
Dedicated Relationship Manager - From the moment you purchase a policy till the time you receive the policy kit, a dedicated Relationship Manager will be assigned to you who will assist you at every step, right from uploading of documents to fixing up your medical appointments to any other doubts/issues your might have about our process.

Question 17

What is the education and income eligibility criteria for buying this life insurance plan?

Accepted Answer

Minimum education criteria to buy this plan is 12^th Pass or diploma holder. The minimum income criteria to buy this plan is ₹2.5 lakh per annum.

Question 18

What is the minimum and maximum Vital care cover¹ allowed in this plan?

Accepted Answer

Minimum cover¹ that can be bought in this plan is ₹ 5 lakh and the maximum cover¹ that can be bought in this plan is ₹ 50 lakh. Your eligibility for the cover amount depends on your financial eligibility calculated based on a multiplier.

Question 19

Which are the different payment terms available for paying premium under this plan?

Accepted Answer

We have 2 payment terms available:

• Regular pay where you pay for the entire coverage term.

• Limited pay where you pay for limited duration but enjoy policy benefits for whole coverage term. Options available under limited pay are 10 years and 15 years.

Question 20

Which are the different payment frequencies available for paying premium?

Accepted Answer

You can choose to pay the premiums monthly, half-yearly or yearly. Paying yearly helps you save 2.5%⁷ on your premium payments and half-yearly helps you save 1.25%⁷ on your premium payments every year.

Question 21

What all methods are available to make premium payment?

Accepted Answer

The various payment methods available for online payment of premiums include credit card, debit card, net banking, UPI, Google Pay, Amazon Pay and other popular payment wallets.

Question 22

What are the advantages of limited pay premium option?

Accepted Answer

Limited Pay is a great option wherein the customer pays premium for a limited period while enjoying the benefits of the plan for the entire coverage term. This lets you free from the burden of paying premiums early on while keeping yourself secured for a long period of time. While the premiums to be paid are slightly higher than regular pay; with the limited pay option, you can end up saving up to 65%^s2 on total premiums paid during the policy.

Question 23

What are the discounts available with this life insurance plan for self- employed?

Accepted Answer

This plan offers flat 10% online discount on first year premium. Also, flat 10% discount for ICICI Pru employees on first year premium. Only one of these two discounts can be given while buying the policy.

Question 24

What are the exclusions in this plan?

Accepted Answer

The Life Assured will not be entitled for any benefit if the covered conditions fall within the exclusions mentioned below.

Pre-existing Disease means any condition, ailment, injury or disease: -
i. That is/are diagnosed by a physician not more than 36 months prior to the date of commencement of the risk of the policy issued by Us or its reinstatement or,
ii. For which medical advice or treatment was recommended by, or received from, a physician not more than 36 months prior to the Date of Commencement of the Policy issued by Us or its reinstatement.
For any medical condition or medical procedure resulting directly or indirectly from self-inflicted injuries, attempted suicide.
This exclusion will not be applicable to conditions, ailments or injuries or related condition(s) which are disclosed, underwritten and accepted by Us at inception or at reinstatement.
Congenital anomaly which is in the visible and accessible parts of the body.
For any medical condition or any medical procedure arising from the donation of any of the life assured’s organs.
Alcohol or Solvent abuse or taking of Drugs, narcotics or psychotropic substances unless taken in accordance with the lawful directions and prescription of a registered medical practitioner.
For any medical condition or any medical procedure arising from nuclear contamination; the radioactive, explosive or hazardous nature of nuclear fuel materials or property contaminated by nuclear fuel materials or accident arising from such nature.
Treatment for injury or illness caused by avocations or activities such as hunting, mountaineering, steeple chasing, professional sports, racing of any kind, scuba diving, aerial sports, activities such as hand-gliding, ballooning, deliberate exposure to exceptional danger.
Participation by the Life Assured in a criminal or unlawful act.
Taking part in any naval, military or air force operation during peace time.
War, invasion, act of foreign enemy, hostilities (whether war be declared or not), armed or unarmed truce, civil war, mutiny, rebellion, revolution, insurrection, military or usurped power, riot or civil commotion, strikes.
Participation by the Life Assured in any flying activity, except as a bona fide, fare-paying passenger, pilot, air crew of a recognized airline on regular routes and on a scheduled timetable.
Service in the armed forces, or any police organization, of any country at war or service in any force of an international body.
No benefit shall be paid for any pregnancy complications and any congenital anomalies covered under the Maternity Care benefits if the pregnancy results from fertility treatment such as assisted reproduction services including artificial insemination , advanced reproductive technologies such as IVF, ZIFT, GIFT, ICSI and Gestational surrogacy.

Please refer to the policy document for detailed exclusions.

Question 25

Can the nominee be changed after I have purchased the policy?

Accepted Answer

Yes, you can change the nominee at any time during the policy term by informing the company. You can also add multiple nominees. In case you want to change the nominee prior to the issuance of your policy you can write us at buyonline@iciciprulife.com or get in touch with your Relationship Manager on 1860 267 9997. In case you change your mind about your nominee post the issuance of your policy, you can write to us here https://www.iciciprulife.com/services/write-to-us-csr.html or on our Email ID lifeline@iciciprulife.com. If you want to speak to someone you can call on our service hotline toll-free number 18002660.

Question 26

What all income can I club in the income field in the application form?

Accepted Answer

If you are salaried, then please share your annual salary as income. If you are self-employed, then please share the average annual income of the last 3 years as per the filed ITR.

Question 27

Which pincode and city must be mentioned in the product calculator?

Accepted Answer

Your communication address where you currently live needs to be added in the calculator. This address is important for premium calculation, medical test scheduling, and policy document receiving.

Question 28

Which address must be mentioned in the application form?

Accepted Answer

In case your communication address is different from your permanent address, there are separate fields to mention both. Make sure you are available at your communication address as this is where your medical test will be scheduled and policy documents will be sent after issuance.

Question 29

Will there be a medical checkup and what will be the process of medical check-up?

Question 30

Can I purchase this plan if I consume tobacco or smoke cigarettes?

Accepted Answer

Yes, you can purchase health insurance if you consume tobacco or smoke cigarettes.

Question 31

I earlier used to smoke cigarettes but now I have quit smoking. Do I need to declare myself a smoker?

Accepted Answer

If you have consumed tobacco in any form in the last 36 months, you need to declare yourself as a smoker.

Question 32

I smoke occasionally, do I need to declare myself as a smoker?

Accepted Answer

If you have consumed tobacco in any form in the last 36 months, you need to declare yourself as a smoker.

Question 33

What will happen if I start consuming alcohol or tobacco after policy issuance?

Accepted Answer

Your policy will not be affected if you start consuming alcohol or tobacco after policy issuance.

Question 34

Is there any difference between premium rates of tobacco and non-tobacco buyers?

Accepted Answer

Tobacco consumers have a high Mortality riskthan a non-tobacco consumer. Hence, premium rates for tobacco consumer is higher than that of non-tobacco consumer.

Question 35

What are the optional benefits available under this health insurance plan for women?

Accepted Answer

Maternity Care Cover¹ : This is another optional benefit wherein an additional cover is payable to policy holder in case of covered pregnancy complications and new born illnesses¹

Question 36

What is the eligible cover for optional Maternity Cover¹?

Accepted Answer

If you choose to opt for this rider, the cover will be 25% of the base Vital Care Cover¹.

Question 37

Does my premium change post Maternity Cover¹ claim?

Accepted Answer

Yes, once maternity cover has been claimed, the maternity cover¹ will terminate. The policy will continue with the rest of the applicable benefits with premiums reduced to the extent of maternity care cover premium.

Question 38

Can a claim be rejected?

Accepted Answer

It is possible for a claim to be rejected if 'non-disclosure' or 'misstatement' of facts is discovered during an investigation. When a fact that affects the policy issuance decision is not disclosed in the proposal, it is termed as 'non-disclosure'. Similarly, withholding information or providing incorrect information while answering questions in the proposal form is termed as, 'misstatement'. Also, if any Terms & Conditions are not fulfilled or any exclusion clause is attracted the claim will be rejected.

Question 39

How much can I save with this health insurance plan?

Accepted Answer

You can reduce your taxable income up to ₹25,000 i.e., yearly tax* savings of up to ₹7,800 u/s 80D of the Income Tax Act 1961 on premiums paid towards ICICI Pru Wish health insurance plan.

Question 40

How will I get an instant tax certificate?

Accepted Answer

You can download the tax certificate/premium paid certificate from the website as soon as you make the payment.

Question 41

What is Premium Sabbatical^P Benefit?

Accepted Answer

Under this feature, you have flexibility to take 12 months premium holiday^P from paying the premiums whenever you need. All premiums for the said period will be waived and the cover will continue as per the terms and conditions. This benefit can be availed once in the policy period.

If the option is not availed in the policy period, last year’s premium of premium payment term gets waived off.

Question 42

What are the conditions for availing Premium Sabbatical^P?

Accepted Answer

This benefit option is available subject to the following conditions:

A written request is received from the policyholder at least 15 days in advance of policy anniversary.

Question 43

Will there be a medical checkup and what will be the process of medical check-up?

Accepted Answer

Medical check-up will not conducted:

i. For women’s age up to age 35 buying Vital care cover up to ₹30L

ii. For women’s age from 36-50 buying Vital care cover up to ₹15L Beyond these limits, medical check up will be conducted Also, if any pregnant women with pregnancy duration under <= 24 months applying for Vital care & Surgical care cover will be considered for medical check

List of test will be based on the health details submitted by you. You can fix an appointment for the check-up on our website or inform your relationship manager. The cost of the medical tests is borne by the company.

Home/Office visit: If you have selected this option, you can choose the date and time of examination as per your convenience at your home or office. The tests are completed in about 15-20 minutes. These tests comprise of:

1. Blood Test

2. Electrocardiogram (ECG)

3. Any additional tests in case required by our team of expert underwriters

Medical centre visit: For certain customer, a medical test in a medical center will be

triggered. You can choose the date, time & center of examination as per your

convenience. These tests are completed within an hour and comprise of:

• Blood Test
• Electrocardiogram (ECG)
• Tread mill test
• Chest X-ray
• Sonography
• Any additional tests in case required by our team of expert underwriters

Question 44

Are there any age limits for buying this plan?

Accepted Answer

Yes, there are age limits. The minimum and maximum age for buying Health care Option (Vital Care Benefit + Surgical Care Benefit) is 21 and 55 years respectively. The minimum and maximum age for buying Health Care Plus Option (Vital Care Benefit + Surgical Care Benefit + Maternity Care Benefit) is 21 and 37 years respectively.

Question 45

What are the waiting periods in the plan?

Accepted Answer

The Waiting Period(the period starting as applicable from either the Date of commencement of risk or Date of Revival or reinstatement, whichever is later) for the respective Benefit Options are mentioned below:

Name of Benefit	Waiting Period
Vital Care¹	90 Days
Surgical Care¹	90 Days
Maternity Care¹	365 Days

In the event of the occurrence of any of the covered conditions under the plan within the waiting period the Company will refund the premiums, and the Policy will terminate with immediate effect.

ICICI Pru Wish - Health Insurance

Vital Care Benefit

Surgical Care Benefit

Maternity & care Benefit¹ (optional)

Premium Sabbatical^P flexibility

10%^! Online Discount (1^st year premium)

Steps to buy Health Insurance for Women

Claim Settlement Process

Step 1

Report Claim

Step 2

Process

Step 3

Settle

Why choose ICICI Prudential Life?